PRIVACY POLICY
This Privacy Policy (this “Policy”) applies to Wisdom Capital LLC and its affiliates (collectively, the “Company,” “WC,” “our,” “we,” or “us”) and is designed to help you understand how we collect, use and disclose your personal information that you or any third party provides to us, either on our websites, forms, over the telephone or through any other means. By using the Websites, Forms or any product, service, or functionality originating from your use of the products or services offered by the Company (collectively, the “Services”) you are accepting the Privacy Policy and Terms of Use contained herein.
The Terms of Use constitute an integral part of the Policy. Please also read our Terms of Use above this Policy.
By using the Services or by otherwise providing us with information about yourself, you agree to the Terms of Use of this Policy. References to “you” and “your” throughout this Policy apply to any individuals whose personal information we may obtain, including without limitation, principals and members of business entities and guarantors.
What information do we collect?
We collect information from you when you subscribe to our mailing list, speak to a representative, use our websites or fill out a form.
By requesting a loan on behalf of your business, you authorize us to obtain one or more credit reports and to conduct a background check on you, and you authorize us to use the information contained in such credit reports or background checks to process your loan application. We may also obtain one or more credit reports and conduct background checks on any individuals who are designated to be guarantors in connection with any request for a loan.
What do we use your information for?
Any of the information we collect from you may be used to improve our customer service, to process transactions including any requested product, service, or information, facilitate online activities and functionality, and send you periodic emails.
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information.
Do we use cookies?
Yes. Cookies are small files that a website or its service provider transfers to your computer’s hard drive through your Web browser (if you allow it) that enables the website or service providers’ systems to recognize your browser and capture and remember certain information.
We use cookies to compile non-personal and aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future as well as manage our advertising.
Do we disclose any information to outside parties?
We do not sell your personally identifiable information. We share some of the information we collect about you with trusted third parties, like companies performing services on our behalf, so long as those parties agree to keep your information confidential. We may also share some of the information we collect about you with third party companies, like our trusted Affiliates and related entities, providing services or products similar to or complementary with your requested services or products, as long as those parties agree to keep your information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Information is shared to facilitate the services needed in order to properly and efficiently handle duties related to your account. We may share information with:
1. Government agencies to fulfill legal, reporting and regulatory requirements.
2. Attorneys, accountants and auditors.
3. Our employees, our Affiliates, affiliated companies, subsidiaries, and agents to offer additional services or perform analysis to determine qualification to receive future services.
Once you have submitted a loan application, we may obtain information about you from credit reporting agencies. We both receive and transmit data to credit reporting agencies. This is done as part of our regular underwriting, fraud prevention and loan servicing processes.
If we make a loan to your business, we may share your personal information and certain information associated with your loan with our servicers, lenders, investors, successors and assigns.
Third Party Links
Our Websites may contain links to third party websites. Access to any other websites linked to this Website is at the visitor's own risk and the Company is not responsible for the accuracy or reliability of any content, information, data, opinions, advice or statements made on these sites. The Company provides these links merely as a convenience and the inclusion of such links does not imply an endorsement or warranty of those links or their associated websites. These third-party websites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked websites.
COPPA
We do not knowingly collect any information from anyone under 18 years of age. Our website, products and services are all directed to people who are at least 18 years old or older.
